Although I am worried how we will continue to afford it while I am not at work, we signed up with Australian Unity with Hospital, Extras and mid-range excess and with the rebate applied I am paying $86 a week. It IS a lot, but when I thought about the benefits from dental alone it is totally worth it! My DH family has a string of health problems including sleep apnea and it covers CPAP machines, taking all those things into account - even though they are really only 'potential' issues it made it worthwhile for us.
That and oh I have been putting off seeing a chiro for years so if paying for PHI actually encourages me to see one - I see it as a good thing.
I really struggled to convince my husband but his parents always had cover so he was a little easier to bring around. Mine never did (but does now) and with one ambulance trip and two dental appointments in the space of a month, mums yearly premium just paid for itself.

And as MD said - I believe it is over the age of 30 you pay an additional 2% per year over 30 for your cover.